The 1995 Ball State Cardinals football team was an American football team that represented Ball State University in the West Division of the Mid-American Conference (MAC) during the 1995 NCAA Division I-A football season. In its first season under head coach Bill Lynch, the team compiled a 7–4 record (6–2 against conference opponents) and finished in a tie for third place out of six teams in the MAC West. The team played its home games at Ball State Stadium in Muncie, Indiana.